| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $45K | $45K | 2.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.14% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $855 | $0 | $855 | 7.03% |
| GCG FINANCIAL LLC3 Filed as: PENTRA, LLC AN ALERA GROUP COMPANY | 795 E. LANCASTER AVE # 210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $246 | $0 | $246 | 2.02% |
| GCG FINANCIAL LLC3 Filed as: PENTRA, LLC AN ALERA GROUP COMPANY | 795 E. LANCASTER AVE # 210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $112 | $0 | $112 | 0.92% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185 | $0 | $185 | 11.95% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $2.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 271 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $11K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.